Lunar
Pros
- Full Nordic banking licence with deposit protection
- Savings, investing and crypto in one app
- Strong coverage across Denmark, Sweden and Norway
Cons
- Focused on the Nordic region only
- Premium features sit behind paid tiers
Neobank comparison
Lunar vs N26
Compare Lunar and N26 side by side: fees, regulation, platforms.
Lunar
Best for the Nordics
Lunar is the standout licensed neobank for the Nordics, folding savings, investing and crypto into a single r…
VS
N26
Best for the eurozone
N26 pairs a real German banking licence with a clean app, making it the safest-feeling everyday account for p…
Head-to-head comparison
| Feature | Lunar | N26 |
|---|---|---|
| Monthly fee | Free | Free |
| FX markup | 0% | 0% |
| Savings APY | 2.50% | 2.74% |
| Currencies | 4 | 1 |
| Card network | Mastercard | Mastercard |
| Deposit protection | Nordic deposit guarantee up to 100,000 EUR | German deposit guarantee (EdB) up to 100,000 EUR |
| Regulators | - | - |
| Best for | Best for the Nordics | Best for the eurozone |
| Markets & account | ||
Pros & cons
N26
Pros
- Full German banking licence with 100,000 EUR deposit protection
- No card FX fee at the Mastercard rate
- Instant savings paying interest from the first euro
Cons
- Euro-only balance, so no true multi-currency holding
- Only a few free ATM withdrawals per month on the free plan
Lunar
Lunar is the standout licensed neobank for the Nordics, folding savings, investing and crypto into a single regulated app.
Confirm current fees and rates on the provider's site. T&Cs apply.
N26
N26 pairs a real German banking licence with a clean app, making it the safest-feeling everyday account for people who live and earn in euros.
Confirm current fees and rates on the provider's site. T&Cs apply.
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